Insurance claim help ALLSTATE
 

OK here we go last monday one of my girl friends car was hit by a 17 yr. Cops come and write him a ticket and straight up say its his fault. Well my girl "Mary" makes the claim with his insurance Allstate and on thursday send an estimator to look at the car.

Well he says the car is repairable his estimate is $3700.00 for repairs, I went over the estmate and he left allot of stuff off, like a DOOR, Alignment, AC compressor, used all non honda parts............ and on. Anyway we feel the car is totaled since it is a 1999 Honda Civic front end collision torn up good and retail on the car is only 8K person to person 6K so by his own estimate it is already over half the value not to mention all the other stuff that can be wrong, also the front end it completely moved over a inch, he left that off the estimate but admitted he knew it to me on the phone. :eek:

SO moving forward what is the best route to take from here, hire an lawyer? Make a claim on Mary's insurance?? Take it in the ass??

Thanks for any help I will move this thread after a little time.

WILL :(

Re: Insurance claim help ALLSTATE
 

Usually the body shop will look over a car before they start to get an "add order"
If they look it over and feel the car should be a total,the will usually convey that to the insurance carrier.
Just a suggestion

Re: Insurance claim help ALLSTATE
 

Our bodyshops here have to use OEM parts.

Re: Insurance claim help ALLSTATE
 

27Fountain,

Call me I manage a body shop and can fill in the details as to where to proceed.

Bill
301-674-2773

Re: Insurance claim help ALLSTATE
 

i've managed boby shops/ collision centers for 20 years...allstate is notorious for leaving a lot off the estimate the first time around they never want to overite an estimate. they will wait until you move the car to a shop and negotiate with the shop or they will try to steer you to thier shop where they have leverage and control because the shop has be come thier ***** relying on allstates for drp work. drp ( direct repair program) allstate will send the weak shop a lot of work but the shop will have to play ball and allstate not you the car owner become the shops customer. allstate will want to put LKQ like kind and quality parts i.e. used parts but used sheet metal must be from the same year or newer car than yours. you do not have to accept after market ( crappy kerean/ chinese parts) as they have been proven to be sub standard. a/c compressor should be replaced with new oem but you will be charged betterment / depriciation on the difference. if car has 50k miles you pay 50% of the new part they pay labor. when they try this b/s ask the adjuster about how to file a diminished value claim for your honda as it will not be worth after repairs what it was before it got hit... the shop will want to fix the car decide for yourself if you do or don't want it totalled the lean on the shop or allstate to fix or total it. the fact that the front of the unibody is pushed over is no big deal a couple of hour to set it up and thier frame rack and a few hours pull time will take care of that. insist on a print out of the frame work any good quality shop these days shuold be able to print before and after dimensions also insist on a 4 wheel alignment get a print out of this as well then you will be sure the frame is repaired correctly. my shops have fixed a lot of hondas and i can tell you aftermarket sheetmaetal is sh*t the way it fits well made cars like handa and toyota...i pm'ed you with my phone call if you need addl. info in resolving this claim. if you want it totalled take it to a high end m benz dealer and autorize them to do a teardown and write a supplement for any and all addl damages add that amount to the original est to see how far you really are to total loss status. down time rental coverage etc. all fit in to the total of thier claim. plus if its close to a total a little hidden damage that could be discovered later may encourage the adjuster to write it off. good luck n let me know how it all plays out. ratman









8y

Re: Insurance claim help ALLSTATE
 

Hey Will. sorry to hear about your(her) bad luck, if you want give me a call and you can talk to Reba, she is a Sr.Claims Adjuster for Nationwide, she might be able to direct you the right direction.

James

Looking forward to the poker run, are you still having your pre-party?

You should come up and do the Richmond run...

Re: Insurance claim help ALLSTATE
 

I had to deal with something like this 2 years ago. A non-english speaking kid with an outta state LEARNERS permit driving a "relatives" car hit me. I filed with my own Ins. co thinking I was going to take the hit. The truck was fixed to my liking. My Ins co eventually got their money back when they finally found the vehicle owner who could verify the driver didn't steal the car.
Good Luck.
Russ C.

Re: Insurance claim help ALLSTATE
 

I agree with dahkem1, call you insurance agent and they should take care of you. They will subrogate the claim back against AllState. No need for you to spend money on lawyers etc, at least not yet. If you insurance company will not provide that service for you, when this is over go find a new insurance compay. Many will do that. As dahkem says, State Farm will.

Re: Insurance claim help ALLSTATE
 

What state are you in??? Maybe some "lawyer" letters can free up the adjusters wallet!!!

Re: Insurance claim help ALLSTATE
 

Guys

Thank for all the info and I will be following up tomarrow. I knew I could count on my OSO brothers to steer me right.

As for the car we really want it totaled, she doesn't feel safe in it anymore and I don't blame her. Plus it already has 96,000 miles on it, it is really only worth 7K maybe less. Just don't see the point in them being such jerks. I mean she didn't do this to them their client did it to her!!!!!!!

DHLAW I am in VA right now so it is VA court,

James, can't wait for summer this cold weather sucks.

Thanks

WILL

Re: Insurance claim help ALLSTATE
 

this is the worst insurance to have to deal with. the supplement will total it out.

Re: Insurance claim help ALLSTATE
 

Allstate is the absolute worst in NJ. If you have collision, go through your carrier and let them file for subrogation vs. Allstate. I would suggest that you file pro se if it can't be resolved b/c too small of a claim to get attorneys involved. (Trust me I know, I'm an attorney and I know how expensive it can be to litigate w/ Allstate). Good luck.

Re: Insurance claim help ALLSTATE
 

I would involve my own ins co as a last resort. The repair shop will make the adjustments you are looking for. No need for your carrier knowing you were in an accident that wasn't your fault. After several of these they will consider you a bad risk.

Re: Insurance claim help ALLSTATE
 

You hear a lot of complaints about it but that is exactly why i like Michigan's no fault insurance....regardless of who is at fault in the accident your insurance pays for your vehicle then you don't have to deal with a company that doesn't represent you.

I don't know how your insurance works but i would think you would be entitled to at least get a few estimates from different body shops to assess the damage.

Re: Insurance claim help ALLSTATE
 

I have to disagree with you Sea Ya. Fault is key in insurance, and you should not get points against you for involvement in an accident that you have no fault in. If you feel that way about your company, I'd switch companies. By the way, the insurance carrier will know about the accident whether or not you notify them. There will be a record with the state. They have access to that data if they chose to.

As far was wanting the car totaled, this is just a matter of economics. If the car value is worth more than the repairs, they are going to do the repairs. If the car value is less than the repairs, they will total it. Now if they underestimated the repairs, that is another story, and that needs to be corrected before a decision is made to total the car or fix it. If you want the money instead, talk to them, tell them you will take the repair costs, and they can have the car. They may agree. But don't expect them to pay you more than the cost of the repairs or the total value of the car, whichever is less. You don't have much of a case to expect them to pay you more than the repair costs just because you don't want the car anymore. They can argue they will fix the car, then you can sell it.

Re: Insurance claim help ALLSTATE
 

Jon

I see your point about them not paying more than the repair of the car or the fair value. But I sincerely believe after todays round of discussion with Allstate/their choice of shop. they are trying to pull a fast one. We already notified our insurance and they sent a estimator over to check the car out and do his own estimate and guess what they said it wasn't there and wouldn't let him look for it in their lot :mad: (what the %^&#) then they called again and wanted permission to start repairs :mad: I mean they are all lying.

As for the claim we just whats fair?? I think it is fair to get more than just their opinion on the damage to the car, I also think it is fair to include ALL DAMAGE that can be seen and put back with HONDA parts. I sincerely think if the estimate was done that way their is no question it is totaled.

I have delt with Nationwide, Geico, and Erie on other claims and never given such a load of SH*$ as ALLSTATE :mad:

WILL

Re: Insurance claim help ALLSTATE
 

I agree, you should get more than 1 quote and you have the right to get OEM parts if you want them since that is what was on the car before the damage.

Re: Insurance claim help ALLSTATE
 

If you don't have faith in this shop then you should simply have the car towed to a different shop. Doesn't matter if they are honest or not, you have lost faith in them. If you authorize someone to do work you don't trust then you can't complain later if the outcome isn't what you'd hoped.